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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,121 | $65,961-30.1% | $180,320-74.4% | $94,015-50.9% |
| Participation rate | 37.8% | 61.3%-23.5pp | 71.5%-33.8pp | 70.8%-33.0pp |
| Annual return | 13.70% | 14.27%-0.6pp | 778.54%-764.8pp | 17.84%-4.1pp |
| Employer contribution / active EE | $1,513 | $1,737-12.9% | $4,108-63.2% | $2,790-45.8% |
| Participant deferral / active EE | $3,762 | $3,003+25.3% | $4,304-12.6% | $4,249-11.5% |
| Admin fee / account holder | $702 | $4,901-85.7% | $10,000-93.0% | $8,951-92.2% |